Why not use your IRA to just buy the property? 

San Francisco has a higher property crime rate. 

The reason I post this here is because I got totally different answers from two CPAsHere is the story:I bought the house as investment property and run it as STR for the last two years.

Property management is also in place. 

The key to investing out of state is finding a good property manager.  

Quote from @Seo Hui Han: You may want to consider local banks / credit unions just because many of them will require or give you more favorable terms for things like HELOC's and other line of credit products if you have a deposit account with them. 

To whom this may concern, I am an investor looking to buy my second property.

If you have favorable terms on those first mortgages, you might find that a HELOC or a second-position loan is more cost-effective than doing a full refinance or a DSCR loan.

Partner Driven identified the property through our direct-to-owner strategy.

They are asking me to call them… see message below:“We are very interested in your property and would like more information, particularly about the proximity of the amenities to the location.